Coles - Contents Insurance

Coles Contents Insurance Review

What's hot:

10% online discount

New for old cover (for certain items)

Automatic flood cover

What's not:

Increased premium for monthly payments

Mozo snapshot:

Coles Contents Insurance provides a real bang for your buck when it comes to insuring the possessions that mean the most to you, with generous cover limits for all your valuables and additional perks like new for old cover, online discounts and bonus FlyBuys points.

Key features:

Offering protection for all the standards events you’d expect from a policy - think vandalism, theft and storm cover among others - Coles Contents Insurance also provides its policyholders automatic flood cover. Unfortunately your contents won’t be insured for damage from power or storm surges, but you will be able to purchase accidental damage cover as an optional extra.

When it comes to your possessions, Coles actually offers cover for some items outside your home as well as inside. Outdoor furniture and even your BBQ will be covered under the Coles Contents Insurance policy, while valuables such as cash (up to $200), electronics like tablets and mobile phones (up to $1,000 per item) and jewellery and watches (up to $1,000 per item) are also covered.

If something does go wrong and your contents are damaged or destroyed, Coles will provide new-for-old cover for a number of items including white goods, electronics and furniture, and they’ll even cover your guests items for up to a $1,000.

Best yet, if you purchase your Coles Contents Insurance policy online you’ll get a 10% discount off your premium, plus you’ll also be able to earn a bundle of bonus flybuys points - up to 12,000 each year.

Who it's good for:

Coles Contents Insurance is a great option for anyone looking for a low cost, but comprehensive solution to safeguard their contents and valuables.

Any catches?

You’ll incur an increased premium for the privilege of paying your premium in monthly installments rather than as a lump sum each year.

Yes

Coles Home Insurance home insurance review

Overall rating 9 / 10

Fast, efficient and consumer friendly

Just like shopping in my local Coles supermarket, fast, efficient and delightfully friendly service, Coles insurances are exceptionally well priced and great value. Pros, all the above, cons none that I have found in the last five years.

Just like shopping in my local Coles supermarket, fast, efficient and delightfully friendly service, Coles insurances are exceptionally well priced and great value. Pros, all the above, cons none that I have found in the last five years.

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

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Contents

Cash

Up to $200

Credit card

Up to $1,000

Cd dvd and electronic files

Up to $2,500

Computer software hardware

Software and Hardware up to $5,000

Camera and accessories

Optional extra

Carpets

Handwoven carpets

Up to $2,000 per item, up to $5,000 in total

Antiques and valuables

Up to $2,000 per item, up to $5,000 in total

Jewellery

Up to $1,000 per item, up to $5,000 in total

Uncut gems

Replacement of documents

Up to $1,000

Identity theft

Personal medical equipment

Up to $1,000

Tools of trade

Up to $5,000

Stock and inventory

Home office contents

Other cover

Death and injury

Up to $5000 for funeral

Veterinary expenses

Lock replacement

Up to $500

Temporary accommodation

Temporary accommodation for pets

Emergency storage

Debris removal

Up to 10% of sum insured

Demolition cost

Temporary repairs

Changing address

Up to 14 days

Contents while moving

Policy and service features

Days unoccupied until cover stops

60

Underinsurance protection

New for old

Basic excess from

$300

Choice of excess

Pay monthly at no cost

Discounts

10% Online Discount

Service 24 7

Away from home

Optional extra

Open air contents

Up to 10% of sum insured

Legal liability cover

Up to $20,000,000

Other benefits

Other restrictions

Events

Accidental loss and damage

Optional extra

Accidental breakage of glass

Fire

Lightning

Storm

Flood

Earthquake

Fusion

Optional extra

Power surge

Explosion

Escape of liquid

Storm surge

Impact damage

Theft or burglary

Malicious acts and vandalism

Riots and civil commotion

Contents

Cash

Up to $500

Credit card

Up to $5,000

Cd dvd and electronic files

Up to $2,500

Computer software hardware

Software and Hardware up to $5,000

Camera and accessories

Optional extra

Carpets

Handwoven carpets

Up to $2,500 per item

Antiques and valuables

Up to $2,000 per item, up to $10,000 in total

Jewellery

Up to $2,500 per item, up to 20% of sum insured

Uncut gems

Replacement of documents

Up to $1,000

Identity theft

Personal medical equipment

Up to $2,500

Tools of trade

Up to $10,000

Stock and inventory

Home office contents

Other cover

Death and injury

Up to $10,000 for funeral

Veterinary expenses

Lock replacement

Up to $500

Temporary accommodation

Temporary accommodation for pets

Emergency storage

Up to 12 months

Debris removal

Up to 20% of sum insured

Demolition cost

Temporary repairs

Changing address

Up to 14 days

Contents while moving

Up to sum insured

Policy and service features

Days unoccupied until cover stops

60

Underinsurance protection

New for old

Basic excess from

$300

Choice of excess

Pay monthly at no cost

Discounts

10% Online Discount

Service 24 7

Away from home

Up to 90 days, up to $2,500 per item, up to 20% of sum insured

Open air contents

Legal liability cover

Up to $20,000,000

Other benefits

Other restrictions

Events

Accidental loss and damage

Accidental breakage of glass

Fire

Lightning

Storm

Flood

Earthquake

Fusion

Up to 10 years old

Power surge

Explosion

Escape of liquid

Storm surge

Impact damage

Theft or burglary

Malicious acts and vandalism

Riots and civil commotion

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